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Credit union · NCUA insured

Service First FCU CD Rates

Service First FCU’s best CD rate is 3.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How Service First FCU’s CD rates compare

Compared with banks and credit unions near Sioux Falls, SD-MN, where Service First FCU has the most branches. $10,000, best rate first.

  • This credit union’s best

    Service First FCU

    3.00%APY

    Term
    6 months
    Minimum
    $500
    Earns on $10,000
    $149

    Share Certificates

  • Top rate

    Quoin Financial Bank

    4.60%APY

    Term
    13 months
    Minimum
    $5,000
    Earns on $10,000
    $499

    Quoin Financial Bank rates

  • 2nd-highest rate

    CorTrust Bank

    4.30%APY

    Term
    36 months
    Minimum
    $500
    Earns on $10,000
    $1,346

    CorTrust Bank rates

Compare CD rates near you →

Service First FCU CD score

63

CD score

Higher than 10% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.00%
  • 9–15 months9–15 mo2.00%
  • 16–30 months16–30 mo1.75%
  • 31–60 months31–60 mo1.25%
  • QualifiedQualified3.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Service First FCU ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join Service First FCU

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Membership is open to individuals who live, work, worship, or attend school in 43 specified counties across South Dakota, Iowa, Minnesota, and Nebraska.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Service First FCU overview